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Ready to stop playing small with your money and start taking up serious space—in your bank account, your business, and your life? In this candid Q&A episode, Phoebe answers the money questions most of us are too embarrassed to ask out loud—how to tackle debt without drowning in shame, how to stop feeling guilty every time you spend on yourself (yes, even on that serum), and how to budget when your income is one big financial rollercoaster.
Inside this episode:
How to get out of debt with dignity—and why shame has no place in your bank balance
The truth about spending guilt, especially for women juggling family, work, and everyone else's needs
What to do when your business income is either Beyoncé or beans on toast
Simple money systems for real people—no 27 bank accounts required
This one’s honest, empowering, and just what you need if you’re ready to step into your CFO energy and build your unapologetically wealthy life—without giving up joy.
Free Resources Mentioned:✨ [Debt spreadsheet download]✨ [Related episodes on debt]✨ Join the Happy Honeys Facebook group✨ Connect on Instagram [@phoebeblamey]
Call to Action:Got your own burning money question? Slide into Phoebe’s DMs, leave a comment, or drop it anonymously via the website. This is a judgment-free zone!💸
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Are you a woman over 40 looking for information about money without the mansplaining?
Welcome to My Happy Money Journey—the no-shame, no-fluff podcast for women over 40 who are ready to rewrite the money rules, take control of your finances, and live life on your terms.
Hosted by award winning money expert Phoebe Blamey, each episode is packed with smart, straight-talking advice to help you get out of debt, build real wealth, and create a life that actually feels good (not just looks good on a spreadsheet).
We’re done with toxic money culture, guilt-driven budgeting, and advice that doesn’t reflect our reality. Here, we talk about money with honesty, humour, and the belief that financial freedom should be available to every woman—no matter her past, her income, or her starting point.
Whether you’re navigating divorce, ditching debt, starting over, or stepping into your power for the first time—this is your space.
...it’s all part of your own happy money journey.
Take 20 minutes out of your week to listen to someone that has been on the journey. #money #WomenAndMoney #financialfreedom #women
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Description:In this empowering episode of My Happy Money Journey, Phoebe gets raw and real about debt—and how to break free from it without sacrificing your sanity, dignity, or your weekly catch-up with the girls.
We’re talking credit cards, buy-now-pay-later traps, personal loans, and the sneaky shame that rides shotgun with them. If you’ve ever shoved a credit card bill in a drawer and hoped for the best—this one’s for you.
You’ll learn:
Why debt is not a character flaw (and you’re not broken)
The #1 thing to do before you pay off a single cent
Avalanche vs. Snowball strategies—and how to pick what suits YOU
How to cut spending without killing your joy
Why a financial safety net is your best defence against falling back in
Resources:
Download the FREE Debt Clarity Worksheet
Join the Happy Honeys Facebook Group
Check out the Spend Cleanse and upcoming Debt Destruction course
Listen to last week’s guest Bonnie Lee on EFT for financial healing
Quote of the Episode:“Debt is not your personality—it’s just a situation. And it’s one we can handle, together.”
Subscribe & Share:If this episode helped you feel more empowered around money, share it with a woman who needs it. Debt is temporary. You are a force of nature.
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Episode Title: Unlocking Financial Freedom with EFT Tapping
Host: Phoebe BlameyGuest: Bonnie Lee Elizabeth, Self-Expression & Embodiment Coach
Episode Summary:Ever feel like money stress has a tight grip on your life? In this episode, we dive deep into the power of Emotional Freedom Techniques (EFT) with Bonnie Lee Elizabeth, a self-expression and embodiment coach who helps people rewire their money mindset and manifest financial abundance.
From navigating debt anxiety to breaking free from scarcity thinking, Bonnie shares how tapping can be a game-changer in shifting our beliefs and emotions around money. We also explore the link between financial stress and physical health, the importance of completing the stress cycle, and practical steps to incorporate EFT into your daily routine. Plus, get a sneak peek into our upcoming Debt Destruction course, where Bonnie will be guiding you through tapping techniques to clear financial blocks and build lasting wealth.
What We Cover:
What EFT tapping is and how it works
The connection between financial stress, emotional blocks, and physical health
How to use EFT to shift from scarcity to abundance
The power of manifestation and how mindset impacts financial success
How collective tapping in a group can amplify results
Why gratitude is a key component of financial growth
Free Resource:Download our exclusive EFT Tapping Guide to start clearing your money blocks today! [Insert link]
Connect with Bonnie:Instagram: @goddessawakened.coWebsite: www.goddessawakened.co
Join the Debt Destruction Course:Want to go deeper? Bonnie-Lea is teaming up with us for Debt Destruction, a course designed to help you clear your financial blocks, take control of your money, and step into financial freedom. Stay tuned for details!
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Host: Phoebe BlameyGuest: Bonnie Lee Elizabeth, Self-Expression & Embodiment Coach
Episode Summary:Ever feel like money stress has a tight grip on your life? In this episode, we dive deep into the power of Emotional Freedom Techniques (EFT) with Bonnie Lee Elizabeth, a self-expression and embodiment coach who helps people rewire their money mindset and manifest financial abundance.
From navigating debt anxiety to breaking free from scarcity thinking, Bonnie shares how tapping can be a game-changer in shifting our beliefs and emotions around money. We also explore the link between financial stress and physical health, the importance of completing the stress cycle, and practical steps to incorporate EFT into your daily routine. Plus, get a sneak peek into our upcoming Debt Destruction course, where Bonnie will be guiding you through tapping techniques to clear financial blocks and build lasting wealth.
What We Cover:
What EFT tapping is and how it works
The connection between financial stress, emotional blocks, and physical health
How to use EFT to shift from scarcity to abundance
The power of manifestation and how mindset impacts financial success
How collective tapping in a group can amplify results
Why gratitude is a key component of financial growth
Free Resource:Download our exclusive EFT Tapping Guide to start clearing your money blocks today! LINK
Connect with Bonnie:Instagram: @goddessawakened.coWebsite: www.goddessawakened.co
Join the Debt Destruction Course:Want to go deeper? Bonnie is teaming up with us for Debt Destruction, a course designed to help you clear your financial blocks, take control of your money, and step into financial freedom. Stay tuned for details!
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Life can throw some serious curveballs—divorce, the loss of a partner, a business collapse, kids leaving home. Suddenly, you're in the financial driver’s seat, whether you were ready for it or not. And that can feel overwhelming. But here’s the thing: You can rebuild, reclaim, and reset your financial life.
In today’s episode, I walk you through the steps to take control after a financial upheaval—without getting stuck in regret or fear. We’ll cover:
✅ How to start healing from financial trauma✅ The first steps to getting clarity on your money✅ Smart strategies to cut the financial clutter and start fresh✅ How to rebuild confidence in your financial future✅ Why your support system is everything (and how to find the right people)
I’ve been where you are. And trust me—this does get better.
🎁 Freebie Alert!Don’t forget to grab my 30-Day Spend Cleanse—your roadmap to resetting your spending habits and taking control. Links in the show notes!
💡 Episode Highlights🔹 [00:02:00] The emotional side of money—why we feel vulnerable and out of control🔹 [00:05:00] Step one: Letting go and forgiving yourself for past financial mistakes🔹 [00:07:00] Taking stock: Understanding your financial reality🔹 [00:09:00] Spending audit challenge—where’s your money really going?🔹 [00:12:00] Dream big: Manifesting your future financial success🔹 [00:14:00] Small, consistent steps = long-term financial transformation🔹 [00:16:00] Gratitude as a tool to shift from scarcity to abundance🔹 [00:18:00] Surrounding yourself with the right mentors, experts, and friends🔹 [00:20:00] Continual learning: The key to thriving on your money journey
📌 Resources & Links🔗 Grab the 30-Day Spend Cleanse freebie here: 🔗 Join our Happy Money Journey Facebook group: Happy Honeys on a Happy Money Journey🔗 Follow me on Instagram for more money tips: @thehappymoneyjourney
🎧 Loved this episode?Share it with a friend who needs a financial reset! And don’t forget to subscribe so you never miss an episode.
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Intuitive Living and the Pitfalls of Diet Culture with Tracey Wright 🌿✨
In this episode, Phoebe Blamey continues her conversation with Tracey Wright, focusing on the profound impact of diet culture and the benefits of intuitive living. Tracey shares insights from her 15 years in the well-being space, challenging common misconceptions about nutrition's role in health and emphasizing the importance of connection, purpose, and intuitive eating. They explore how diet culture and media marketing prey on insecurities, promoting disordered eating, and the value of focusing on activities that truly make us feel good. The discussion also covers the impact of COVID-19, the importance of nature and community in achieving a balanced life, and how spending time outdoors can foster better environmental and social consciousness.
Chapters:
00:00 Introduction and Podcast Overview
00:34 Welcome to Happy Money Journey
00:54 Sponsor Message: Entourage Finance and Property
01:16 Discussion on Diet Culture
02:44 Intuitive Eating and Health
05:58 The Role of Food in Our Lives
10:38 Personal Reflections and Advice
14:28 Impact of COVID and Corporate Shift
15:57 Work-Life Balance and Community
18:40 Environmental Consciousness and Nature
19:51 Conclusion and Final Thoughts
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Corporate True Grit 🌧️💪🏼: How Adventure Builds Resilience
If you're ready to learn how facing adversity head-on can help you rediscover your inner strength, deepen friendships, and navigate life's toughest moments, you won't want to miss this.
In this episode, Phoebe Blamey sits down with Tracey Wright to explore the transformative power of nature and adversity. They discuss how stepping outside and embracing challenges can enhance leadership, improve employee well-being, and reduce stress. Trac2y delves into the importance of intuitive living, the limitations of current corporate wellness programs, and the disconnect between adult behaviors and what we expect from children. The episode intersects with financial advice, advocating for a life driven by experiences rather than material possessions. Sponsored by Entourage Finance and Property, this discussion aims to inspire listeners to rethink traditional workplace practices and lifestyle habits to foster true well-being. Chapters: 00:00 Introduction to Overcoming Adversity00:40 Welcome to My Happy Money Journey01:00 Sponsor Message: Entourage Finance and Property01:22 Avoiding Overwhelm and Burnout01:46 Intuitive Living and Breaking Societal Norms06:01 Corporate Well-being and Mental Models11:58 The Importance of Communication and Trust13:10 Outdoor Activities for Team Building14:49 Qualifications and Holistic Well-being17:17 Gender Dynamics in Corporate Health20:24 Conclusion and Final Thoughts -
From Chef Hats 👩🏻🍳 to Hiking Boots 🥾: How Adventure Can Change Your Life
Ever felt like life’s passing you by, wondering if it’s too late to start something new?
In this episode of 'My Happy Money Journey,' Phoebe Blamey invites Tracey Wright, owner of Take Shape Adventures, and a seasoned health and fitness expert, to share her transformative journey into adventure and outdoor activities. Tracey talks about her early challenges, the shift in her understanding of well-being during COVID, and the positive impact of hiking and nature on physical, mental, and emotional health. Discover how adaptability, resilience, and connection can lead to a more fulfilling life and why adventure could be the missing piece in your wellness puzzle.What You Will Learn:
How to recognize your "now-or-never" moments and seize them with courage
Strategies for overcoming self-doubt when taking risks
How authentic connections made through adventure can profoundly impact your life
Ways to break free from routines and inject joy and purpose into everyday living
Chapters:
00:00 Introduction to a Healthier, Happier Life01:06 Meet Tracy Wright: Adventure and Resilience02:51 Tracy's Journey into Fitness and Adventure Racing04:35 The Birth of an Adventure Company06:51 The Transformative Power of Hiking07:36 Embracing Unpredictability and Teamwork09:05 The Importance of Outdoor Activities12:57 Balancing Life and Adventure17:57 The Value of Well-being Over Productivity20:35 Conclusion and Next Steps -
Happy International Women's Day! Today, we're diving deep into how money can truly empower us as women. Many of us carry fears around finance, but it's time to step out of scarcity and into our financial power. Money isn't just currency; it's freedom, choice, and independence.
Phoebe shares her personal insights, including powerful stories from her own family, highlighting the dangers of financial dependency. She busts myths about women's investment abilities, revealing surprising truths—women investors consistently outperform men due to their patience and long-term strategic thinking.
You'll learn about accessible, low-maintenance investment strategies, like Exchange Traded Funds (ETFs), and practical tips to begin your financial education journey. We also discuss overcoming the gender investment gap and taking control of your financial worth in both careers and personal life.
Tune in to discover:
Why money is crucial to personal empowerment and freedom.
Practical advice on simple investment strategies like ETFs.
How to confidently negotiate your worth at work.
Steps to break free from financial dependency.
Remember, financial independence is your path to freedom. It's your life—make it rich in every way possible.
Connect with us:
Join our Facebook community of empowered women.
Follow, share your thoughts, and keep the conversation going!
Happy International Women’s Day—let's celebrate by stepping boldly into our financial strength.
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Have you ever wondered where your money really goes? Or felt like your finances could use a serious reset? That’s exactly what Financial FebFast was all about, and in this episode, I’m sharing the biggest lessons learned—so you can take action and transform your spending habits today!
For a month, I went live daily, sharing insights, answering questions, and testing real strategies to help you take control of your money. And from those discussions, three powerful themes emerged:
Know where your money goes – You’ll be shocked at how much those little transactions add up. I’ll show you a simple exercise to track every dollar.
Get organized – Managing money doesn’t have to be overwhelming. I’ll walk you through a smart, stress-free system to budget without feeling restricted.
Use gratitude to control spending – The secret to spending less? It’s not just about willpower—it’s about mindset. I’ll explain how gratitude can help you stop impulse spending for good.
Don’t miss this episode—it’s packed with practical steps to help you reset your spending, get organized, and feel good about your finances. Plus, stick around for details on my free 30-Day Spend Cleanse Daily Tip Sheet and an exclusive discount on the full Spend Cleanse Program!
Resources & Links:
Download the 30-Day Spend Cleanse Daily Tip Sheet and worksheet here
Watch all my Financial FebFast lives on our YouTube playlist
Join the Spend Cleanse Program with 25% off using code Thrive25
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Leaving a secure, high-paid sales career to start your own business is both exciting and terrifying. In this episode, I sit down with Frances Pratt, sales expert and author of More Sales, Less Marketing, to discuss how she transitioned from a successful commission-based sales role to launching her own business. She shares the tough decisions, the unexpected challenges, and the lessons she learned along the way.
What You’ll Learn in This Episode:✔️ The reality of leaving a high-paying sales job to start a business✔️ Why making yourself redundant can be the best move for your career✔️ How to find and validate your next business idea✔️ Why selling isn’t just about closing deals—it’s about relationships
Key Quote:"You can’t see what you can’t see. But someone else can come in and almost see it immediately." – Frances Pratt
Resources & Links:🔗 Frances Pratt’s book More Sales, Less Marketing 🔗 Connect with Frances: https://www.metisan.com.au/🔗 Follow Frances on Linked In: https://www.linkedin.com/in/franpratt/
🎧 Listen Now!
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"Marketing without sales is just noise. Sell first, market later." – Frances Pratt
Are you spending too much time on marketing and not enough on selling? Many business owners fall into the trap of focusing on branding, social media, and content—without actually making sales. In Part 3, Frances Pratt explains why sales should come first and how to make marketing work for you, not against you.
What You’ll Learn in This Episode:✔️ Why many entrepreneurs focus too much on marketing—and what to do instead✔️ The difference between selling and marketing (and why both matter)✔️ How to test your offer before investing in big marketing campaigns✔️ How to align sales and marketing for long-term business success
Resources & Links:🔗 Frances Pratt’s book More Sales, Less Marketing Link to Amazon 🔗 Work with Frances: https://www.metisan.com.au/🔗 Free sales training: https://www.metisan.com.au/resources
🎧 Listen Now!
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Do you hesitate when stating your price? Fear rejection when asking for the sale? You’re not alone. In Part 1 of our conversation, Frances Pratt reveals why so many of us struggle with selling—and how to shift your mindset to make sales feel easy, natural, and empowering.
What You’ll Learn in This Episode:✔️ Why selling isn’t about convincing—it’s about guiding✔️ How to reframe objections as buying signals✔️ The power of confidence in pricing your services✔️ Why selling is more about listening than speaking
Key Quote:"Handling objections is the worst term. You handle a snake. A question means someone is considering buying from you." – Frances Pratt
Resources & Links:🔗 Frances Pratt’s book More Sales, Less Marketing link here🔗 Work with Frances: https://www.metisan.com.au/🔗 Join the conversation
🎧 Listen Now!
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💰 Do you ever get to the end of a pay cycle and realize you have nothing left—right before a bill arrives? It’s frustrating, stressful, and can make you feel like you’ll never get ahead. I’ve been there! Seriously!
In this episode of My Happy Money Journey, I’m sharing the three money moves that completely transformed my financial life.
✅ The Two-Account System – A simple setup that stops accidental overspending and gives you guilt-free spending money.✅ Investing Over Saving – Why relying on savings alone is keeping you stuck and how to start investing with minimal effort.✅ The Cash Cushion Strategy – How to prepare for life’s unexpected expenses without stressing or using credit.
These three moves took me from financial stress to security and confidence—without overcomplicating things (because who's got time for that).
Resources & Links Mentioned in This Episode:🔹 Entourage Finance & Property – Our sponsor for today’s episode. Find out how they can help you grow your wealth through property: www.entourage.com.au
🔹 The Australian Finance Podcast – A great resource to learn more about investing: www.raskmedia.com.au/the-australian-finance-podcast
🔹 ATO (Australian Tax Office) Guide on Investing & Tax Implications – Make sure you understand how tax applies to investments: www.ato.gov.au/investing
🔹 Phoebe Blamey’s Website – Check out my courses, sign up for the newsletter, and get more money management resources: www.phoebeblamey.com.au
Join the Conversation:I’d love to hear your thoughts on this episode! Comment below, share your experience, or let me know which of these three money moves you’re going to try first.
If you found this episode helpful, share it with a friend who needs to hear it.
Let’s break the cycle of financial stress together.
💡 Subscribe to My Happy Money Journey: Never miss an episode—hit subscribe on your favorite podcast platform and follow along on your financial transformation!
🎧 Listen Now
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What if financing wasn’t overwhelming but actually empowering? In this episode, we’re diving deep into asset finance, debt consolidation, and business lending with Sarah Ingram, a highly qualified finance expert with over 10 years in the finance industry and 15 years in client management.
Sarah has built her career on helping people and businesses find the best financial solutions—whether it’s securing funding for essential equipment, upgrading to a reliable car, or consolidating debt.
What You’ll Learn in This Episode:✅ What is asset finance? It’s more than just cars—think trucks, medical equipment, office fit-outs, and more.✅ Debt consolidation myths: Is a personal loan really a bad option? Sarah breaks it down.✅ Business finance for women: Why women tend to be more risk-averse in business—and how we can change that.✅ The power of perception: How the car you drive (yes, really!) can impact your confidence and even your business success.✅ Avoiding finance traps: What to watch out for when taking out a loan, and why asking questions is your financial superpower.
Meet Sarah IngramSarah’s journey into finance started with a love of cars (thanks to a little influence from her dad!) and evolved into a passion for helping people navigate the financial world with confidence. Sarah has a Bachelor of Business (International Business & Economics), an Advanced Diploma of Business (International Business), and a Certificate IV in Finance,
She believes that finance shouldn’t be intimidating—whether you’re buying a new car, financing a major business purchase, or consolidating debt, there’s always a solution that fits your needs.
Sarah works with over 25 lenders, ensuring that her clients have access to the best finance options available. She is known for her exceptional client service, deep industry knowledge, and ability to create tailored solutions that truly make a difference.
Listen BecauseSarah has a unique ability to make finance feel safe and approachable, especially for women navigating big financial decisions. From helping a client get out of debt and into a more affordable car to working with business owners who are confused about borrowing options, Sarah shares practical strategies that can help you move forward with confidence.
Whether you’re thinking about financing a car, growing your business, or just want to understand your options better, this episode is a must-listen.
Connect with SarahSarah is known for her personalised approach to finance, and she’s happy to answer any questions. Get in touch with her at https://entourage.com.au/service-category/asset-finance/
🎧 Listen now and take control of your financial future!
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Financial FebFast: A Spend Cleanse for a Mindful Money Reset
thank you to our sponsors at Entourage: https://entourage.com.au/
Ever wonder where your money disappears each month? Struggling with rising costs and wanting to break free from impulse spending?
In this episode, I’m sharing my journey through Financial FebFast, a simple but powerful spend cleanse designed to reset your money habits.
Think of it like a juice fast for your finances—not about restriction, but about cutting out spending habits that no longer serve you and making space for what truly brings joy. Inspired by the "Buy Nothing New" challenge nearly a decade ago, this has now become an annual tradition—and this year, I’m inviting you to join us.
A spend cleanse is the perfect financial reset, and I’ll guide you through:
✔ Setting a timeframe that works for you✔ Defining what’s essential vs. what’s just a habit✔ Identifying and tackling your spending triggers✔ Finding creative, free alternatives to spending✔ Tracking your progress and reflecting on what truly matters
This isn’t about deprivation—it’s about intentionality. If you’re ready to spend smarter, save more, and find joy in what you already have, let’s do this together!
🔹 Listen now and take the first step toward your financial reset!🔹 Download your free Spend Cleanse Worksheet & subscribe for more mindful money tips on the podcast & YouTube.
#MyHappyMoneyJourney #MindfulSpending #SpendCleanse #FinancialWellness
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Let’s be real—talking about money can feel a bit…meh. But what if financial planning wasn’t about spreadsheets and sacrifices, but about designing a life that actually makes you happy? That’s exactly what we’re diving into with Scott Malcolm, founder of Money Mechanics, and all-around legend when it comes to making money conversations fun and meaningful.
In this episode of My Happy Money Journey, we chat about ditching rigid goals, understanding your financial values, and how to actually enjoy your money while planning for the future. Scott shares why so many of us are stuck in outdated money mindsets, and how small shifts can lead to massive breakthroughs.
What You’ll Learn in This Episode:🎯 Why your money mindset is just as important as your bank balance💡 How to break free from outdated financial habits❤️ The secret to making money decisions that align with your real-life priorities😎 Easy steps to start feeling financially confident today
No boring jargon. No guilt trips. Just real talk about money, values, and how to make it all work for you. Grab your favorite drink, tune in, and let’s make finance fun!
Download Your Free Money Conversation Cards!Looking for a way to start better money conversations? Grab our free printable Money Conversation Starter Cards and make financial discussions fun and insightful.Download Here https://www.happymoneyjourney.com.au/pl/2148300463
Connect with Scott Malcolm:Website: Money MechanicsInstagram: @moneymechanics
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In this episode of My Happy Money Journey, we’re stepping into the new year with intention and purpose. If unfulfilled resolutions have left you frustrated in the past, this episode will help you align your goals with your values and truly thrive in 2025.
Here’s what we’re covering:
Celebrating your wins: Why small victories matter and how they keep you on track.Shopping with intention: Supporting local businesses and making impactful choices.Getting financially organized: Avoid unnecessary stress by staying on top of your finances.Mindful spending: My simple strategy to turn impulse buys into savings.Aligning goals with values: Finding joy in what truly matters, from fitness to finances.Plus, don’t miss the exciting Money Mindset Journey giveaway to kick-start your financial mindfulness journey.
Let’s make 2025 the year we thrive together. Tune in now—link in the show notes!
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Episode Summary:Christmas is coming, and so are the endless to-do lists, family gatherings, and, let’s be honest, the financial stress. But don’t worry—I’ve got you covered! In this episode, I’m diving into ways to make the holiday season simpler, cheaper, and way less overwhelming.
We’ll chat about how much we really spend this time of year (spoiler: it’s a lot) and why it’s time to rethink those sky-high expectations. I’ll share my favorite hacks, like why homemade gifts can save your budget and make you look super thoughtful, how to turn family gift-giving into a fun (and affordable) Kris Kringle, and why hosting doesn’t have to mean doing everything yourself.
What You’ll Get Out of This Episode:
Easy, thoughtful gift ideas that won’t blow your budget (hello, pickled red onions and chili jam!).A fun way to simplify family gift-giving and cut costs.Hosting tips to keep you sane, like potluck dinners and sharing the workload.A reminder to breathe, slow down, and focus on what really matters—spending time with people you love.By the end of this episode, you’ll feel ready to take on Christmas with less stress, less spending, and more joy. Plus, stick around for a sneak peek at an upcoming story packed with even more holiday hacks.
Resources Mentioned:
Homemade gift inspirationHow to organize a family Kris KringleStress-free potluck hosting tipsSo grab a cup of tea (or wine), tune in, and let’s make this Christmas one to remember for all the right reasons!
- Näytä enemmän
